Getting the ball rolling when building (or rebuilding) credit is a classic catch-22. You need credit to build credit. If you have absolutely no credit history – or if you have a bottomed-out credit score – then lenders are less likely to extend the credit you need to start building your FICO score. You may […]

Confession: I dreaded writing this post today. It’s just a little depressing. See, at the end of February, Ben became unemployed. It was a decision we didn’t take lightly, and we do feel like we made the right choice. (I won’t go into all the reasons. Suffice it to say that we had sufficient reasons […]

Every year, the IRS updates tax codes to reflect changes in the cost of living. Recently, the IRS announced tax law changes for 2014. Many of these relatively minor changes could affect you in the coming tax year. Remember, these 2014 tax changes affect the tax year 2014, so you won’t see these changes reflected […]

Each year when the IRS releases tax law changes, everything from the basic tax brackets to retirement account limits change. And these changes affect many credits and deductions, including education-related tax credits, such as the Hope Scholarship and American Opportunity Tax Credit. In 2014, some of these credits are going up, so you can claim […]

Google the term “prepaid calling cards,” and you’ll be hit with a dizzying array of options. But when it comes to calling cards, more options may not necessarily be better. In fact, sorting through all those calling cards can be a huge headache, to say the least – especially since many of these cards come […]

Every year, the IRS updates tax laws to account for inflation, and this year is no different. In 2014, parents, in particular, will find several tax-related changes that may affect their credits and deductions on their 2014 taxes. Remember, changes to tax law for 2014 won’t affect you until you file your 2014 taxes in […]

As a self-employed individual or freelancer, you’re in a unique position when it comes to saving for retirement. You won’t get the benefit of an employer-matching 401(k), not if self-employment is your full-time gig, but you do have access to a variety of tax-advantaged retirement accounts. And you may be able to sock away more into […]

If you’re joining me (and my family) for our journey towards debt freedom in 2014, here’s our update: The Update It’s pretty depressing, actually. Our total debt has actually gone up slightly, rather than going down. Here are the reasons: New Credit Card Charges: I had to make a couple of essential business purchases on a […]

As a freelancer, taxes are more complicated for me than your average Joe. But as a writer – with very few business expenses – my taxes aren’t complicated enough that I feel the need to hire a tax preparer. Instead, I just use TurboTax Home and Business. Other than my first year of freelancing, when […]

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